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                                 EXHIBIT 23.2


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                                                              Exhibit 23.2
             




The Board of Directors
New York Bancorp Inc.

We consent to the  incorporation by reference in the  Registration  Statement on
Form S-8 of New York  Bancorp  Inc.,  relating to New York  Bancorp  Inc.'s 1993
Long-Term  Incentive Plan, of our report dated October 23, 1995, relating to the
consolidated  statements  of  financial  condition  of New York Bancorp Inc. and
Subsidiary  as of  September  30,  1995 and 1994  and the  related  consolidated
statements of income, changes in shareholders' equity and cash flows for each of
the years in the  three-year  period ended  September 30, 1995,  which report is
incorporated  by  reference  in the  September  30,  1995  Form 10-K of New York
Bancorp Inc. Our report  refers to changes in  accounting  principles  effective
October  1,  1993 for  certain  debt and  equity  securities,  income  taxes and
postretirement benefits other than pensions.


                                      /s/ KPMG Peat Marwick LLP


New York, New York
May 31, 1996